CD’s & IRA’s
Certificates of Deposit
Our Certificates of Deposit are designed to give you competitive rates and have a wide range of maturities. We offer CD’s in terms from 91 days to 60 months. Ask our Customer Service Representatives for further details. Minimum deposit amounts apply and there is a substantial penalty for early withdrawals.
Individual Retirement Accounts
An individual Retirement Account (IRA) is a retirement fund established by you – as an employed individual – for your benefit. In most instances, you may make tax-deductible annual contributions to the IRA, which we hold as custodian. With a First National Bank & Trust Co. IRA, you are able to invest in a wide array of investment vehicles, including our CD’s. IRA’s offered through our Trust Department offer additional investment vehicles.
If you have been participating in a retirement plan at work, you may, upon retirement or separation from service for any reason, “roll over” those retirement funds for maximum return, completely tax deferred until distribution. We offer Traditional, Roth, SEP, and Education IRA’s.
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- Tax deferred earnings and possible tax deductions
- No annual fee
- No transaction fee
- $20.00 closing/transfer fee